DECISIONS.

Making decisions, whether it be life, a career or financial requires you to think things through. It is your decision and it is you who ultimately has to live with that decision. By all means get opinions, but do remember that if the decision is the wrong one, it is ultimately you who will feel the pain.

Learn to think decisions and consequences through. Just like debt. it is easy to spend, but it takes far longer to pay it back. Play cashcrunch101 and get used to making decisions.